Side-by-side · Q2 2026 data
Founders Federal Credit Union vs Carolina Cooperative
Metric by metric
| Measure | Founders Federal Credit Union | Carolina Cooperative |
|---|---|---|
| TellerScore | 79 (stronger) | 64 |
| Capital cushion | 86 | 92 (stronger) |
| Loan quality | 77 (stronger) | 42 |
| Earnings | 77 (stronger) | 30 |
| Funding & liquidity | 66 | 80 (stronger) |
| Problem-loan coverage | 91 (stronger) | 83 |
| Peer percentile | 86th | 28th |
| Total assets | $5.2B | $46.3M |
| Deposits / shares | $4.4B | $39.4M |
| Capital ratio | 13.62% | 14.17% (stronger) |
| Problem loans | 0.68% (stronger) | 1.73% |
| Net charge-offs | 1.07% | 0.58% (stronger) |
| Return on assets | 1.43% (stronger) | 0.26% |
| Loans ÷ deposits | 94.2% | 80.0% (stronger) |
| Uninsured deposits | 11.4% | 3.5% (stronger) |
| Offices | 28 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 26.2% | — |
Founders Federal Credit Union has the higher TellerScore (79 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Founders Federal Credit Union leads on 3 and Carolina Cooperative on 4. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.